Health & Insurance Tools

Insurance decisions can cost you thousands if you get them wrong. Our free health and insurance tools help you compare health insurance plans based on your actual usage, estimate workers' compensation costs for your business, and calculate homeowners insurance premiums before you even request a quote. Every calculation runs in your browser — no personal health data is ever sent to a server.

What You'll Find

  • - Health insurance plan comparison calculator
  • - Workers' compensation cost estimator by state
  • - Homeowners insurance premium estimator
  • - HSA tax savings calculator
  • - Deductible comparison tools
  • - Premium factor breakdowns

Getting Started

If you're comparing health insurance plans during open enrollment, start with the Health Insurance Plan Comparison tool — it calculates your total annual cost (not just premiums) based on how you actually use healthcare. Business owners should check the Workers' Comp Estimator to budget for mandatory coverage. Homeowners can use the Home Insurance Estimator as a benchmark before shopping for quotes.

Health Insurance Plan Comparison

Free

Compare health insurance plans side-by-side to find the cheapest option

Replaces Healthcare.gov / broker consultation ($0-300)

Workers' Comp Cost Estimator

Free

Estimate workers' compensation insurance costs by state and industry

Replaces Insurance broker quote ($0 (saves hours))

Home Insurance Estimator

Free

Estimate homeowners insurance costs by location, coverage, and risk factors

Replaces Insurance agent consultation ($0 (saves hours))

Car Insurance Premium Estimator

Free

Estimate car insurance premiums based on driver profile, vehicle, and coverage

Replaces Insurance agent quote process ($0 (saves hours))

Long-Term Care Insurance Calculator

Free

Compare LTC insurance vs self-insuring vs hybrid policies

Replaces Financial advisor consultation ($200-400/hr)

Car Insurance Premium Estimator

Free

Estimate car insurance costs by age, state, driving record, and vehicle

Replaces Insurance quote forms (requires PII) ($0 (saves your privacy))

Medicare Plan Comparison Calculator

Free

Compare Medicare plans and estimate total costs based on your health needs

Replaces Insurance broker / Medicare.gov ($0)

Frequently Asked Questions

Are these insurance estimates accurate?

Our calculators model the same factors insurers use to price policies. Results are estimates to help you compare options — actual quotes may vary based on additional underwriting factors.

Is my health information private?

Yes. All calculations run in your browser. No health data, income information, or personal details are sent to any server or stored anywhere.

Do these tools replace an insurance agent?

These tools help you understand costs and compare options before talking to an agent. For complex situations or binding quotes, consult a licensed insurance professional.